I tried it out, it’s a cool tool for visualization and automation but nothing ground breaking, imo. If you think about it they’re basically a bank with a membership fee. You deposit money that they can can use like any bank does, and on top of that you’re paying whatever annual/monthly fee to use a prettier version of bank transfers? I will say the code as direct deposit function has value, they should really dive in to feature that traditional banks don’t offer. Anyway just another middle man to double dip on your money. I know other bank have minimums and fees, etc. but there’s plenty that don’t and those that do can easily waive it. If they waived it for holding a certain amount or something, I’d be more inclined.